Frontwave Credit Union

Overview / Commentary
1278 Rocky Point Dr
Oceanside, CA 92056

Frontwave Credit Union is headquartered in Oceanside and is the 49th largest credit union in the state of California. It is also the 328th largest credit union in the nation. It was established in 1952 and as of September of 2023, it had grown to 260 employees and 127,461 members at 13 locations. Frontwave Credit Union has a B+ health rating.

Field of Membership Restrictions

Frontwave Credit Union is open to those who live, work, or worship in the California counties of Riverside, San Bernadino, or San Diego. Immediate family members of current Frontwave Credit Union members also qualify.
See current membership details

Related Posts

Frontwave Credit Union 18 Mo @ 5.50 APY - 10/28/2023

They are in So Ca---Not sure if available outside of Ca.---Also not sure how long this offer has been up or when it will end. I have CD's with them at 6.0 APY.

Frontwave Credit Union 18-Month CD Special Has Near Rate-Leading APY - 9/12/2023

Frontwave Credit Union (Southern California) has brought back its 18-month CD Special with a near rate-leading APY. $1k minimum deposit of new money.

Frontwave Credit Union 5.50% APY On 12 Month CD - 4/4/2023

The offer came to me via email today. Mostly for those in So Cal. You would have to check DA's info to see who qualifies. Just posting as it is a new rate for them. As a CU they don't have much of anything attractive in my opinion. This is a special offering and only from 4/1 to 4/30.

View all posts from:

Easy To Work With

Posted by: |

I opened a 6% 18 month Cd in the Escondido branch.
It was very easy and the representative was friendly and accomodating. As my other Cds mature I will buy new ones from Frontline. Very happy with the process

Excellent Service- Great People

Posted by: |

I jumped on the 6% cd. I called a specific person that I had dealt with in the past and she reopened my account- no problem. By the end of the afternoon I had all funds transferred and cd opened in my trust. A piece of cake! All efficient people working. there and they remembered me.

A great local credit union

Posted by: |

Back when I used to live in California, they had a branch out in Barstow, CA. It was an extremely big building and welcoming. It was also very professional looking, though they had more tellers than necessary at most times. The staff would always greet you with a smile and if you had an issue with filling out paperwork they were happy to help or send me to the appropriate department. I wasn't sure what the tellers were capable of since I was young, but they're very nice to those new to banking. The interest rates for just about anything beat the major banks out there. The one thing they were a decade behind on was an online presence. It looks like they've improved upon that since I was last with them. Their branch is only available in California, but I strongly recommend them. If they are not available to you, they recommended us to fairwinds when we moved and their services are equal. That includes fees for things like an inactive debit card, not meeting your monthly minimum deposit, etc. Either way, it's a good place.

No Compassion Rude No Customer Service

Posted by: |

My active duty son passed away. Christina in the dept that handles beneficiaries was so rude,,no customer service. Just a mean bitter woman. Wheres the vehicle. Jennifer is the beneficiary not you. Jennifer is the ex wife only on one account with .39 cents. The branch failed to take her off of. But yet my son made me beneficiary. Yeah but thats boot camp doesn't count. I cant give you info but wheres the vehicle. Wow this bank is unbelievable. I would not bank with them. No customer service, there computer systems are from the 80’s. Not family friendly. I would not invest a penny in this bank. I just wanted to settle my son’s affairs. I can’t believe how foul I was treated. Its ok the CEO is not very friendly either so its to be expected from his employees.



Health Grade Components

NCUA #68494
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD7.21%
Annual Interest Income$36.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.39B$1.36B
LoansQ3 2023vs Q3 2022$943.2MM$880.9MM
DepositsQ3 2023vs Q3 2022$1.21B$1.11B
Equity CapitalQ3 2023vs Q3 2022$87.1MM$86.2MM
Loan Loss AllowanceQ3 2023vs Q3 2022$6MM$3.4MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$3.4MM$2.3MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0

Rates for Frontwave Credit Union are currently being reviewed.



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.